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Your Money or Your Life - Abridged
Now more than ever given today's uncertain economic climate a transformed relationship with money is the key to a healthy and happy life. Vicki Robin offers Your Money or Your Life, an original audio adaptation of the New York Times bestselling book that has helped more than 600,000 people worldwide gain greater financial freedom. Join this acclaimed author for hands-on tools and insights that will help you reach new levels of comfort, competence, and consciousness around your personal finances. Building on the recent updates and revisions to the book Your Money or Your Life (Penguin, 2008), this two-CD program reflects the major social, technological, and environmental changes since its first publication in 1992 plus wisdom from 15 years of readers lived experiences including: --How to develop your financial intelligence, integrity, and independence--the three keys to lasting fulfillment. --A million-and-one sure ways to save money how controlling your spending starts with controlling your thoughts. --How to manage your money so that you have a life you love with the money you have. Whether you're trying to plan for your future, recover from poor choices in the past, or manage your finances better, Your Money or Your Lifeprovides proven tools and powerful teachings to help you get there no matter what financial storm blows your way.
2 pages, Audio CD
Published September 1, 2009
115 people are currently reading
2207 people want to read
About the author
Vicki Robin
21 books192 followersVicki Robin has lectured widely and appeared on hundreds of radio and television shows, including "The Oprah Winfrey Show," "Good Morning America" and National Public Radio's "Weekend Edition" and "Morning Edition." She has also been featured in People Magazine, The Wall Street Journal, Woman's Day, Newsweek, Utne Magazine and the New York Times. Vicki has helped launch many sustainability initiatives including: The New Road Map Foundation, The Simplicity Forum, The Turning Tide Coalition, Sustainable Seattle, The Center for a New American Dream, Transition Whidbey and more. In the 1990s she served on the President's Council on Sustainable Development's Task Force on Population and Consumption. Born in Oklahoma in 1945, Vicki grew up on Long Island and graduated cum laude from Brown University in 1967.
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Displaying 1 - 30 of 66 reviews
March 20, 2023
I didn't actually listen to the CD, I read the book, but could not find the icon for the version that I read. I highly recommend this work to anyone who is seeking to opt out of the rat race as soon as possible. It's good advice and a solid plan for anyone with common sense and discipline. The reader will have to do the work, but the book is your road map to another way of living. In a world where 'shop till you drop' is a meme that some people live by, this financial guide makes you think about the connection between how much of your life you have to give over to working in order to pay the credit cards. Once you really see the self-defeating cycle, you might be less likely to spend, spend, spend. For example, if you make $10 an hour and you spend $100 on your Friday night frolics, you have just used up 10 hours of your pay on one night. If that's worth it to you, by all means continue to do so. But if you want more than the endless pattern of work drudgery followed by empty frolics to recover from work, then this book will help you see your way clear. The ultimate goal of the nine steps is to ensure that your income is greater than your expenses, and that difference (called SAVINGS) goes to work for you as an investment; the plan is that the investment income will replace your need for a job. It's not instantaneous, it does require work, but it's a better plan than 9 to 5 until you are 65. Highly recommended, particularly to the young people of today who are set on living their lives differently from their parents.
January 20, 2021
I started by trying to listen to the original book, but that book was super long winded.
I found this version at the library. It’s about 2 hours long, and sounds more like a seminar from Vicki Robins. This version is very concise, and much more to the point. Some parts can still a little rambly, but she quickly gets back to the point as the whole recording is only 2 hours long. Overall the advice is useful and meaningful, and I’m going to try applying it to my life.
I found this version at the library. It’s about 2 hours long, and sounds more like a seminar from Vicki Robins. This version is very concise, and much more to the point. Some parts can still a little rambly, but she quickly gets back to the point as the whole recording is only 2 hours long. Overall the advice is useful and meaningful, and I’m going to try applying it to my life.
August 29, 2017
I've known about the concept of FI long before, but I think this book made the big picture of it click for me. The idea of not having to do anything for work, to be able to do a job just because you enjoy it, it a very good one.
August 28, 2019
2.5 Stars
DNF
This book has a solid premise, but fails to fully live up to expectations. It also has unreasonable expectations. With that being said, the key ideas are worth considering, even if you do not go to the over the top expectations and conclusions that the author has.
The best main point he made is that people often do not fully consider how much their lifestyle actually costs them. This is done through overestimating how much they actually makes. If a person makes $20 an hour for a 1 hour job, but they spend 30 minutes each way driving, they are really making $10 an hour, and working 2 hours. Factoring in taxes as well, that would drop to $8 an hour of real wages. She wants people to include their time in commuting and preparing for work to help determine their wage. She also wants people to subtract work related expenses from their overall pay to determine what their net wages are. Therefore if someone makes $50,000 a year, but spends $15,000 on work related expenses (and taxes) their actual pay is then only $35,000. That is then divided by the total number of hours one spends on work related activities to find the total number of hours that work consumes, not just the official hours one is paid for. This then gives the base for the next step which is figuring out how many hours of your life different things cost.
If somebody calculates their time and figures out they are working for $10 an hour after all factors considered, their life hour value would be $10. Going out for a $50 dinner would then cost them 5 hours, and this really puts into perspective how much/little they are really spending on certain items. It then asks the reader if they would spend 5 hours of their time for a nice dinner. The same is true for clothing, vehicles, vacations, entertainment, etc. This seems like a good way to be able to look at things, and drives home her main point.
However, there were some parts of the book that didn't add much, or just seemed wrong.
The first one of note was she asked people to keep track of every cent they had ever made in their life. Going forward she wants readers to continue to do that, and also how every cent is spent. While I agree with the premise and goal, this really seems like overkill. This is supposed to include not just regular wages, but also every time you find a coin while walking down the street, or toss one in a wishing well. While I could see doing this for a short time to see where one is actually spending all his money, doing this for an extended period of time will cause most people to abandon this method completely.
She also has a goal to avoid budgets completely, despite asking people to keep track of all their income and spending. An overwhelming of financial advisers suggest keeping a budget to help decide how to spend your money. She recommends tracking usage after the fact, but not for the purpose of creating a future spending plan.
By expecting so much i think she will lose a lot of people that have interest in the plan, and that may negate the first part where she points out how to figure out the true cost of something.
I think she has some interesting points, but would hesitate to try and fully implement her suggestions.
DNF
This book has a solid premise, but fails to fully live up to expectations. It also has unreasonable expectations. With that being said, the key ideas are worth considering, even if you do not go to the over the top expectations and conclusions that the author has.
The best main point he made is that people often do not fully consider how much their lifestyle actually costs them. This is done through overestimating how much they actually makes. If a person makes $20 an hour for a 1 hour job, but they spend 30 minutes each way driving, they are really making $10 an hour, and working 2 hours. Factoring in taxes as well, that would drop to $8 an hour of real wages. She wants people to include their time in commuting and preparing for work to help determine their wage. She also wants people to subtract work related expenses from their overall pay to determine what their net wages are. Therefore if someone makes $50,000 a year, but spends $15,000 on work related expenses (and taxes) their actual pay is then only $35,000. That is then divided by the total number of hours one spends on work related activities to find the total number of hours that work consumes, not just the official hours one is paid for. This then gives the base for the next step which is figuring out how many hours of your life different things cost.
If somebody calculates their time and figures out they are working for $10 an hour after all factors considered, their life hour value would be $10. Going out for a $50 dinner would then cost them 5 hours, and this really puts into perspective how much/little they are really spending on certain items. It then asks the reader if they would spend 5 hours of their time for a nice dinner. The same is true for clothing, vehicles, vacations, entertainment, etc. This seems like a good way to be able to look at things, and drives home her main point.
However, there were some parts of the book that didn't add much, or just seemed wrong.
The first one of note was she asked people to keep track of every cent they had ever made in their life. Going forward she wants readers to continue to do that, and also how every cent is spent. While I agree with the premise and goal, this really seems like overkill. This is supposed to include not just regular wages, but also every time you find a coin while walking down the street, or toss one in a wishing well. While I could see doing this for a short time to see where one is actually spending all his money, doing this for an extended period of time will cause most people to abandon this method completely.
She also has a goal to avoid budgets completely, despite asking people to keep track of all their income and spending. An overwhelming of financial advisers suggest keeping a budget to help decide how to spend your money. She recommends tracking usage after the fact, but not for the purpose of creating a future spending plan.
By expecting so much i think she will lose a lot of people that have interest in the plan, and that may negate the first part where she points out how to figure out the true cost of something.
I think she has some interesting points, but would hesitate to try and fully implement her suggestions.
April 11, 2023
Very quick and easy book to read. She has some good ideas concerning money.
August 25, 2025
Great book
April 5, 2023
Takeaways
It’s important to figure out how money functions in your life.
Without an accurate picture of how your money flows, you will not be able to foresee a time in the future when your dreams are affordable and attainable.
"Consumerism" is a way to die, not a way to live.
Everyone has beliefs and myths about money. Thoroughly question yours.
Develop your "financial intelligence" to align your daily life with your life’s purpose.
"Financial intelligence" relieves stress in other areas of your life.
When financial security is not your overriding anxiety, you can spend your time addressing issues that are more engaging and important.
Less debt and a larger nest egg will give you a greater ability to pursue happiness untethered to questions about finances.
As your money worries decrease, your available time will increase.
If you are frugal, you will find you have enough money to meet your needs.
Summary
"The Money Trap: The Old Road Map for Money"
Fiscal security rests on having certain knowledge of how you are spending your life, not just your dollars. Financial independence means creating an income apart from your job, but it also means independence from old ideas and beliefs about how money works. Like most people, you probably believe that what you do for money has little to do with who you really are. It’s just a way to pay the bills.
Financial integrity is achieved by learning the true impact of your earning and spending, both on your immediate family and on the planet.
Beyond depending on their jobs for income, people often derive their sense of self from their occupations. For many, work takes over, displacing time they once spent with their friends and family. Americans typically work more than 40 hours a week - add in commuting and job preparation time, and the week has few waking hours left for you to be a human being.
It is knowing what is enough money and material goods to keep you at the peak of fulfillment - and what is just excess and clutter.
Despite longer hours on the job, most Americans haven’t saved much money. In fact, people now save less and are more in debt than ever. This way of life is debilitating, stressful, and hard on your health, relationships and family. And what are you working so hard to get? Well, usually to get more than you need to have. Consumerism destroys the earth, individual lives and your peace of mind. The deepening gap between the haves and have-nots is a recipe for calamity, as is the planet’s slow, but massive, pending environmental crisis. Humans are hard-wired to react to imminent danger, but they find it hard to put such tremendous issues into perspective; that’s just not the kind of thing people are prepared to handle.
We project onto money the capacity to fulfill our fantasies, allay our fears, soothe our pain and send us soaring to the heights...we moderns meet most of our needs, wants and desires through money.
The belief that money can fix everything keeps humans striving for more wealth. If you believe "more is better," you will never be satisfied with what you have. On a macro-scale, this idea translates into society’s belief in relentless growth (draining the earth’s finite resources) and an ever-expanding marketplace. These ideas have transformed "citizens" into "consumers" who see consumption as a human "right." In fact, some say consuming is your economic and civic duty, even though consumables take raw resources, time and energy. In actuality, everyone is on a budget, and that has to impel personal action. To achieve financial reality, take these nine steps:
"Step 1: Making Peace with the Past"
The first step is to examine your attitudes about money and what it buys. Human nature likes to stick with comfortable routines, including routine thoughts. It doesn’t help that advertising constantly makes you feel as if you need more. Getting caught in the race for more stuff is so easy that you don’t even notice when you may have "enough," and you just continue accumulating. Once you pass the point of sufficiency, the things you amass just complicate and hamper your life. At some point, you have enough of what you need and want, and even enough of the luxuries you desire - maybe not so much that just managing it all is stressful, but enough. Figure out, in as much detail as possible, how much money has come into your life since you first began working and what you have done with it. Start by creating a balance sheet of assets and liabilities. Accuracy is important, so take the time to be thorough.
"Step 2: Being in the Present - Tracking Your Life Energy"
What is your impression of money? At the "pedestrian" level, money is an element in all exchanges; it jingles in your pocket and pays your bills. Your thinking encompasses all your basic understandings about money: budgeting, checking accounts, looking for bargains, investments and credit. Part of your perspective comes from your feelings and entrenched thoughts about money, including your family’s attitudes. Some believe money is security, but how secure would you feel walking through a city at night with wads of cash? How does the belief that money is power account for the power of the leaders of nonviolent movements? Do you believe that money is social approval, your ticket to happiness? Think about it. For many people, the concept of financial independence implies an endless supply of money. That is a fantasy. But having enough is a realistic goal. Once you decide for yourself how much "enough" is, you will have freedom when you attain enough, and a bit more.
We buy everything from hope to happiness. We no longer live life. We consume it.
To thoroughly examine all your beliefs about money - what it buys, how it makes you feel, how much time you allocate to earning it, spending it and trying to maintain an unsustainable quality of life - calculate the time and money you expend on your job each week. Start with the 40 hours plus that you work. Add the time you allocate for commuting, daycare, shopping for work clothes, and all the time and money you spend after work trying to make yourself feel better. Consider the "life energy" you spend "keeping up with the Joneses." By calculating your real hourly wage and meticulously charting every cent you spend, you are honoring the way you disperse your life energy and forming the habit of "financial integrity."
“Step 3: Monthly Tabulation"
Raising your money awareness is crucial. Like binge dieters, binge spenders are usually unconscious of what triggers their spending. To get an honest picture of your relationship to money, become aware of where it appears in your life. Spending can become addictive. What do you buy to treat yourself? What items are irresistible? As you track your income and expenses, you will see that your expenses generally fit certain categories. Tally your expenses into these categories and subcategories, and complete a monthly balance sheet to get a full financial profile. Be nonjudgmental. You’re aiming for truth, not guilt. As you accumulate this data, measure each purchase in terms of the amount of time it took to make the money to pay for it. Divide what you spend by your "real hourly wage" to ascertain the true cost in terms of life energy. Learn not just how you spend your money, but how you spend your life.
"Step 4: Three Questions That Will Transform Your Life"
First ask yourself about the measure of happiness and satisfaction each financial outlay gives you. Determine if this expenditure is something you’d be inclined to purchase based on the level of happiness it brings. Over time, you will see when you’ve hit your spending limit. Second, evaluate your expenses in terms of their relationship to your deep beliefs and goals. Do they add to or subtract from them? This requires you to meditate deeply about your values and life’s goals to measure their importance truthfully. Third, ask yourself how it would affect your expenses if you were financially satisfied? If all the time and energy you now expend became unnecessary, how much would you still spend on clothes or status symbols?
The problems we face...constitute a call to a new understanding of what it means to be human.
Use the insights you gain from this exercise to figure out a plan to bring more of your life into alignment with what truly motivates you. Seek the point of enough - where your basic needs are easily met, with plenty left over for "comfort" and even some luxury. To start, you must have a complete, accurate picture of how money comes into and out of your life. Other elements also matter. If you constantly compare what you have to what your neighbor has, you will never be content. Listen to the voice of your own experience to hold your sense of "life purpose" clearly in mind. Let that guide your choices. Part of this perspective includes understanding how your goals serve others. Unless you are thinking about helping others somewhere along the line, you will keep striving for more, yet you will never find enough.
"Step 5: Making Life Energy Visible"
After you carry out the previous steps for a few weeks, you will be able to plot your income and expenses, as a visual trend line. The vertical axis on your graph measures dollar increments and the horizontal axis represents time in months. Make enough room to keep track over five years, at a minimum. Using different color inks, plot your income and expenses. Connect the points and trends will emerge. Keep evaluating your expenses each month in light of the three questions in step four. Being aware of the meaning behind what you spend - in exchange for what you have - will let you slowly change your lifestyle.
"Step 6: Valuing Your Life Energy - Minimizing Spending"
To live a more "frugal" life, follow these tips:
Give up caring about what others think of you. They’re self-absorbed anyway.
Stop "shopping just to shop." It’s not a sport. Question and discourage acquisition for the sake of acquisition.
Pursue the lifestyle you can afford. Get rid of credit card debt.
Maintain what is already yours, especially your health. Take care of yourself physically, mentally and emotionally.
Use things until they begin to fall apart before you replace them. Make repairs instead of automatically buying replacements.
Learn valuable, practical skills so you can live a more self-reliant lifestyle.
Try to look ahead and prepare for expenses you can see coming.
Comparison shop, not just for price, but for quality.
Find it for less. Shop sales, look for discounts and bargains. Buy second hand.
Use rapid transit or walk.
"Step 7: Valuing Your Life Energy - Maximizing Income"
What does your work mean to you? In hunter-gatherer societies, people worked about 15 hours a week to take care of their needs, and spent the rest of the time playing, socializing and relaxing. Yet since the Depression and the institutionalization of the 40-hour workweek, people have come to believe that their jobs are their duty and they have little right to leisure. Sweeping economic policies are based on this assumption. For many, 40 hours are just the starting point. Work has become the substitute for seeking meaning in life, something you no longer have time to do anyway. But if you can mentally separate the things you love to do from the function of being paid, you can take the first step in "redefining work." In terms of paid employment, look for work that will give you the most amount of money in exchange for your life energy. The more you earn per hour, the less hours you’ll need to amass enough.
"Step 8: Capital and the Crossover Point"
If you follow the steps to fiscal responsibility, at a certain point, your savings will become "capital." Then, find ways to invest it, so it can work for you. If you divide your savings by the current interest rate, over the months of the year, you’ll get your "monthly investment income." One sunny day, your investment interest will exceed your monthly savings amount. At that "crossover point," you will have reached "financial independence."
The very question, ’What do you want to be when you grow up?’...asks what you want to be, yet you are supposed to answer with what you want to do. Is it any wonder that so many of us suffer midlife crises as we face the fact that our doing doesn’t even come close to expressing our being?
Soon, you will be able to predict pretty accurately when your crossover point will arrive. Realizing that savings from your salary eventually will let you invest and earn all the income you need is very motivating. When this crossroad comes, you will be free to decide whether to keep working for money. When your time is freed from having to make a living, it all belongs to you. Do with it what you wish.
"Step 9: Managing Your Finances"
Now develop a methodical investment plan for your savings, a plan you are comfortable with, not something devised by a professional that only insiders can understand. Take stock of any preconceptions you hold about investing. Most investment theories seem to be built on avarice and dread. Take inflation, for example: In many real, provable ways, the cost of living has actually dropped over the past few decades. The hype to buy disposable things with so-called disposable income keeps people on the treadmill for the inevitable upgrade. Being frugal neatly sidesteps some of the worst effects of this pressure. Remember, prices go down, too.
The evidence of success is not whether others judge you to be successful. The only evidence is whether or not you did what you intended or attempted to do.
Investing for financial independence has three components: 1) "Capital" is the amount you invest that will yield the money to cover your monthly expenses. When investing capital to earn income, the key consideration is keeping your savings and income safe. Bonds are usually a good starting point; 2) "Cushion" means your cash on hand for emergencies. Have enough to cover a half year’s worth of expenses, if necessary; and 3) "Cache" means you keep setting some part of your income aside for savings, so you have money for the unexpected financial demands that will crop up. Just as you became the expert on your own financial profile, you can also become the expert on your investments.
It’s important to figure out how money functions in your life.
Without an accurate picture of how your money flows, you will not be able to foresee a time in the future when your dreams are affordable and attainable.
"Consumerism" is a way to die, not a way to live.
Everyone has beliefs and myths about money. Thoroughly question yours.
Develop your "financial intelligence" to align your daily life with your life’s purpose.
"Financial intelligence" relieves stress in other areas of your life.
When financial security is not your overriding anxiety, you can spend your time addressing issues that are more engaging and important.
Less debt and a larger nest egg will give you a greater ability to pursue happiness untethered to questions about finances.
As your money worries decrease, your available time will increase.
If you are frugal, you will find you have enough money to meet your needs.
Summary
"The Money Trap: The Old Road Map for Money"
Fiscal security rests on having certain knowledge of how you are spending your life, not just your dollars. Financial independence means creating an income apart from your job, but it also means independence from old ideas and beliefs about how money works. Like most people, you probably believe that what you do for money has little to do with who you really are. It’s just a way to pay the bills.
Financial integrity is achieved by learning the true impact of your earning and spending, both on your immediate family and on the planet.
Beyond depending on their jobs for income, people often derive their sense of self from their occupations. For many, work takes over, displacing time they once spent with their friends and family. Americans typically work more than 40 hours a week - add in commuting and job preparation time, and the week has few waking hours left for you to be a human being.
It is knowing what is enough money and material goods to keep you at the peak of fulfillment - and what is just excess and clutter.
Despite longer hours on the job, most Americans haven’t saved much money. In fact, people now save less and are more in debt than ever. This way of life is debilitating, stressful, and hard on your health, relationships and family. And what are you working so hard to get? Well, usually to get more than you need to have. Consumerism destroys the earth, individual lives and your peace of mind. The deepening gap between the haves and have-nots is a recipe for calamity, as is the planet’s slow, but massive, pending environmental crisis. Humans are hard-wired to react to imminent danger, but they find it hard to put such tremendous issues into perspective; that’s just not the kind of thing people are prepared to handle.
We project onto money the capacity to fulfill our fantasies, allay our fears, soothe our pain and send us soaring to the heights...we moderns meet most of our needs, wants and desires through money.
The belief that money can fix everything keeps humans striving for more wealth. If you believe "more is better," you will never be satisfied with what you have. On a macro-scale, this idea translates into society’s belief in relentless growth (draining the earth’s finite resources) and an ever-expanding marketplace. These ideas have transformed "citizens" into "consumers" who see consumption as a human "right." In fact, some say consuming is your economic and civic duty, even though consumables take raw resources, time and energy. In actuality, everyone is on a budget, and that has to impel personal action. To achieve financial reality, take these nine steps:
"Step 1: Making Peace with the Past"
The first step is to examine your attitudes about money and what it buys. Human nature likes to stick with comfortable routines, including routine thoughts. It doesn’t help that advertising constantly makes you feel as if you need more. Getting caught in the race for more stuff is so easy that you don’t even notice when you may have "enough," and you just continue accumulating. Once you pass the point of sufficiency, the things you amass just complicate and hamper your life. At some point, you have enough of what you need and want, and even enough of the luxuries you desire - maybe not so much that just managing it all is stressful, but enough. Figure out, in as much detail as possible, how much money has come into your life since you first began working and what you have done with it. Start by creating a balance sheet of assets and liabilities. Accuracy is important, so take the time to be thorough.
"Step 2: Being in the Present - Tracking Your Life Energy"
What is your impression of money? At the "pedestrian" level, money is an element in all exchanges; it jingles in your pocket and pays your bills. Your thinking encompasses all your basic understandings about money: budgeting, checking accounts, looking for bargains, investments and credit. Part of your perspective comes from your feelings and entrenched thoughts about money, including your family’s attitudes. Some believe money is security, but how secure would you feel walking through a city at night with wads of cash? How does the belief that money is power account for the power of the leaders of nonviolent movements? Do you believe that money is social approval, your ticket to happiness? Think about it. For many people, the concept of financial independence implies an endless supply of money. That is a fantasy. But having enough is a realistic goal. Once you decide for yourself how much "enough" is, you will have freedom when you attain enough, and a bit more.
We buy everything from hope to happiness. We no longer live life. We consume it.
To thoroughly examine all your beliefs about money - what it buys, how it makes you feel, how much time you allocate to earning it, spending it and trying to maintain an unsustainable quality of life - calculate the time and money you expend on your job each week. Start with the 40 hours plus that you work. Add the time you allocate for commuting, daycare, shopping for work clothes, and all the time and money you spend after work trying to make yourself feel better. Consider the "life energy" you spend "keeping up with the Joneses." By calculating your real hourly wage and meticulously charting every cent you spend, you are honoring the way you disperse your life energy and forming the habit of "financial integrity."
“Step 3: Monthly Tabulation"
Raising your money awareness is crucial. Like binge dieters, binge spenders are usually unconscious of what triggers their spending. To get an honest picture of your relationship to money, become aware of where it appears in your life. Spending can become addictive. What do you buy to treat yourself? What items are irresistible? As you track your income and expenses, you will see that your expenses generally fit certain categories. Tally your expenses into these categories and subcategories, and complete a monthly balance sheet to get a full financial profile. Be nonjudgmental. You’re aiming for truth, not guilt. As you accumulate this data, measure each purchase in terms of the amount of time it took to make the money to pay for it. Divide what you spend by your "real hourly wage" to ascertain the true cost in terms of life energy. Learn not just how you spend your money, but how you spend your life.
"Step 4: Three Questions That Will Transform Your Life"
First ask yourself about the measure of happiness and satisfaction each financial outlay gives you. Determine if this expenditure is something you’d be inclined to purchase based on the level of happiness it brings. Over time, you will see when you’ve hit your spending limit. Second, evaluate your expenses in terms of their relationship to your deep beliefs and goals. Do they add to or subtract from them? This requires you to meditate deeply about your values and life’s goals to measure their importance truthfully. Third, ask yourself how it would affect your expenses if you were financially satisfied? If all the time and energy you now expend became unnecessary, how much would you still spend on clothes or status symbols?
The problems we face...constitute a call to a new understanding of what it means to be human.
Use the insights you gain from this exercise to figure out a plan to bring more of your life into alignment with what truly motivates you. Seek the point of enough - where your basic needs are easily met, with plenty left over for "comfort" and even some luxury. To start, you must have a complete, accurate picture of how money comes into and out of your life. Other elements also matter. If you constantly compare what you have to what your neighbor has, you will never be content. Listen to the voice of your own experience to hold your sense of "life purpose" clearly in mind. Let that guide your choices. Part of this perspective includes understanding how your goals serve others. Unless you are thinking about helping others somewhere along the line, you will keep striving for more, yet you will never find enough.
"Step 5: Making Life Energy Visible"
After you carry out the previous steps for a few weeks, you will be able to plot your income and expenses, as a visual trend line. The vertical axis on your graph measures dollar increments and the horizontal axis represents time in months. Make enough room to keep track over five years, at a minimum. Using different color inks, plot your income and expenses. Connect the points and trends will emerge. Keep evaluating your expenses each month in light of the three questions in step four. Being aware of the meaning behind what you spend - in exchange for what you have - will let you slowly change your lifestyle.
"Step 6: Valuing Your Life Energy - Minimizing Spending"
To live a more "frugal" life, follow these tips:
Give up caring about what others think of you. They’re self-absorbed anyway.
Stop "shopping just to shop." It’s not a sport. Question and discourage acquisition for the sake of acquisition.
Pursue the lifestyle you can afford. Get rid of credit card debt.
Maintain what is already yours, especially your health. Take care of yourself physically, mentally and emotionally.
Use things until they begin to fall apart before you replace them. Make repairs instead of automatically buying replacements.
Learn valuable, practical skills so you can live a more self-reliant lifestyle.
Try to look ahead and prepare for expenses you can see coming.
Comparison shop, not just for price, but for quality.
Find it for less. Shop sales, look for discounts and bargains. Buy second hand.
Use rapid transit or walk.
"Step 7: Valuing Your Life Energy - Maximizing Income"
What does your work mean to you? In hunter-gatherer societies, people worked about 15 hours a week to take care of their needs, and spent the rest of the time playing, socializing and relaxing. Yet since the Depression and the institutionalization of the 40-hour workweek, people have come to believe that their jobs are their duty and they have little right to leisure. Sweeping economic policies are based on this assumption. For many, 40 hours are just the starting point. Work has become the substitute for seeking meaning in life, something you no longer have time to do anyway. But if you can mentally separate the things you love to do from the function of being paid, you can take the first step in "redefining work." In terms of paid employment, look for work that will give you the most amount of money in exchange for your life energy. The more you earn per hour, the less hours you’ll need to amass enough.
"Step 8: Capital and the Crossover Point"
If you follow the steps to fiscal responsibility, at a certain point, your savings will become "capital." Then, find ways to invest it, so it can work for you. If you divide your savings by the current interest rate, over the months of the year, you’ll get your "monthly investment income." One sunny day, your investment interest will exceed your monthly savings amount. At that "crossover point," you will have reached "financial independence."
The very question, ’What do you want to be when you grow up?’...asks what you want to be, yet you are supposed to answer with what you want to do. Is it any wonder that so many of us suffer midlife crises as we face the fact that our doing doesn’t even come close to expressing our being?
Soon, you will be able to predict pretty accurately when your crossover point will arrive. Realizing that savings from your salary eventually will let you invest and earn all the income you need is very motivating. When this crossroad comes, you will be free to decide whether to keep working for money. When your time is freed from having to make a living, it all belongs to you. Do with it what you wish.
"Step 9: Managing Your Finances"
Now develop a methodical investment plan for your savings, a plan you are comfortable with, not something devised by a professional that only insiders can understand. Take stock of any preconceptions you hold about investing. Most investment theories seem to be built on avarice and dread. Take inflation, for example: In many real, provable ways, the cost of living has actually dropped over the past few decades. The hype to buy disposable things with so-called disposable income keeps people on the treadmill for the inevitable upgrade. Being frugal neatly sidesteps some of the worst effects of this pressure. Remember, prices go down, too.
The evidence of success is not whether others judge you to be successful. The only evidence is whether or not you did what you intended or attempted to do.
Investing for financial independence has three components: 1) "Capital" is the amount you invest that will yield the money to cover your monthly expenses. When investing capital to earn income, the key consideration is keeping your savings and income safe. Bonds are usually a good starting point; 2) "Cushion" means your cash on hand for emergencies. Have enough to cover a half year’s worth of expenses, if necessary; and 3) "Cache" means you keep setting some part of your income aside for savings, so you have money for the unexpected financial demands that will crop up. Just as you became the expert on your own financial profile, you can also become the expert on your investments.
This entire review has been hidden because of spoilers.
December 6, 2022
This book literally changed my life. Can’t recommend it enough!
February 6, 2021
Great and emotional read for anyone who wants to take control of their life.. it’s hard looking reality in the face but now I feel I have a road map to get me to my “green pasture” ... excited to start this journey to FI
May 3, 2024
Too fanatic. Book about “life morale” instead of finances.
October 15, 2023
Books about how to do FIRE you have to maximize against taxes are not nearly as enticing as your money or your life. You can't start optimizing accounts until you do this. Anytime someone is into FIRE but hasn't read YMOYL I lose respect.
“They aren’t making a living. They’re making a dying because they’re more dead at the end of the day. So surely life has to be about more than this.”
“I looked at the people who were successful in my career and basically most of them had sacrificed their ideals, had compromised in their lives and were so much less than their dreams, what they had wanted early on. And weary with existence and making due with… the paltry things called fame, fortune… the markers of success.”
“We just buy our way through life and so to the degree that you develop competencies you are independent of needing money in order to make life wonderful. It’s an empowerment.”
Questions:
What is money really? >> life energy. The hours of my life I invest in putting cash in my wallet.
How much is enough really?
What makes me happy really?
For the first few decades every time you get more money and can get better things it reinforces more is better. “More is better is still working because every time you get the more it really is better.” “you get programmed… to have a feeling of restlessness. You look around for how am I gonna fill this? A hunger for something. It’s not just the physical hunger but the emotional hungers and the intellectual hungers and the social hungers. And you start to look for something that you can spend some money on because in your experiences in the past that’s going to make life better.”
“Waking up to this idea that what the point of life is (the point of your material life) is to be able to sense, to have an internal yardstick for fulfillment. To have an internal sense of when you arrive at that enough point and not take another bite of stuff.”
“Frugality actually comes from the root of the word fruit or fruition. It’s a juicy word. It’s having a high joy to stuff ratio. It’s maximizing pleasure for every ounce of life energy invested.”
“One of the keys to happiness is fairness. Having your fair share in relation to other people who seem like you.”
Things that make us happy:
Presence - enjoying what is
Intention - ability to direct your life energy toward what goals, values, and dreams you yourself say are worthy of you
Gratitudes - appreciation for everything you have, crowds out thoughts of what you don’t have
Generosity - give of yourself
“Things don't cost what they cost, they cost what you pay.”
“Your money and your time is limited but desires are limitless. You feel one and there’s another one. That’s just the nature of existence is the process of desiring. So pay attention to your desires, meet your desires in the most appropriate and actually least expensive way.”
“They aren’t making a living. They’re making a dying because they’re more dead at the end of the day. So surely life has to be about more than this.”
“I looked at the people who were successful in my career and basically most of them had sacrificed their ideals, had compromised in their lives and were so much less than their dreams, what they had wanted early on. And weary with existence and making due with… the paltry things called fame, fortune… the markers of success.”
“We just buy our way through life and so to the degree that you develop competencies you are independent of needing money in order to make life wonderful. It’s an empowerment.”
Questions:
What is money really? >> life energy. The hours of my life I invest in putting cash in my wallet.
How much is enough really?
What makes me happy really?
For the first few decades every time you get more money and can get better things it reinforces more is better. “More is better is still working because every time you get the more it really is better.” “you get programmed… to have a feeling of restlessness. You look around for how am I gonna fill this? A hunger for something. It’s not just the physical hunger but the emotional hungers and the intellectual hungers and the social hungers. And you start to look for something that you can spend some money on because in your experiences in the past that’s going to make life better.”
“Waking up to this idea that what the point of life is (the point of your material life) is to be able to sense, to have an internal yardstick for fulfillment. To have an internal sense of when you arrive at that enough point and not take another bite of stuff.”
“Frugality actually comes from the root of the word fruit or fruition. It’s a juicy word. It’s having a high joy to stuff ratio. It’s maximizing pleasure for every ounce of life energy invested.”
“One of the keys to happiness is fairness. Having your fair share in relation to other people who seem like you.”
Things that make us happy:
Presence - enjoying what is
Intention - ability to direct your life energy toward what goals, values, and dreams you yourself say are worthy of you
Gratitudes - appreciation for everything you have, crowds out thoughts of what you don’t have
Generosity - give of yourself
“Things don't cost what they cost, they cost what you pay.”
“Your money and your time is limited but desires are limitless. You feel one and there’s another one. That’s just the nature of existence is the process of desiring. So pay attention to your desires, meet your desires in the most appropriate and actually least expensive way.”
October 24, 2025
“Knowing that money is simply your life energy puts you in the driver’s seat of your money life. How much of my life am I willing to sell to have money in my pocket?”
Very gritty and succinct read. You can literally read it in one go, but it’ll leave you thinking about money in a deeply philosophical way for a long time after. It might even bring upon an impulse decision to change your entire life around completely.
YOUR MONEY OR YOUR LIFE focuses more on financial intelligence as opposed to financial independence or money making, offering the reader a rather deep insight into the mental side of wealth building.
In its introduction, the author promises that if you use his advised tools:
“You’ll spend less money and enjoy life more.
You’ll save more money than you ever thought possible.
You’ll flatten your debt and develop a natural resistance to spending more than you have for things you don’t want to impress people you don’t like (to paraphrase Robert Quillen).
You’ll have more time for what matters most.
You’ll learn a lot about yourself—relatively painlessly.
You’ll be at ease talking about finances openly and honestly.
You’ll forgive yourself for your past money mistakes and get on with it.
You’ll save for retirement and get there, possibly a lot earlier than you can now imagine.
You’ll put your life in service to your values rather than putting your time in service to money.”
It was one of my favorite money books so far. If you’re like me and you like to think deeper into what the stuff should really mean and not only get preoccupied with the numbers’ game - then you will have a blast reading this!
----------
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Very gritty and succinct read. You can literally read it in one go, but it’ll leave you thinking about money in a deeply philosophical way for a long time after. It might even bring upon an impulse decision to change your entire life around completely.
YOUR MONEY OR YOUR LIFE focuses more on financial intelligence as opposed to financial independence or money making, offering the reader a rather deep insight into the mental side of wealth building.
In its introduction, the author promises that if you use his advised tools:
“You’ll spend less money and enjoy life more.
You’ll save more money than you ever thought possible.
You’ll flatten your debt and develop a natural resistance to spending more than you have for things you don’t want to impress people you don’t like (to paraphrase Robert Quillen).
You’ll have more time for what matters most.
You’ll learn a lot about yourself—relatively painlessly.
You’ll be at ease talking about finances openly and honestly.
You’ll forgive yourself for your past money mistakes and get on with it.
You’ll save for retirement and get there, possibly a lot earlier than you can now imagine.
You’ll put your life in service to your values rather than putting your time in service to money.”
It was one of my favorite money books so far. If you’re like me and you like to think deeper into what the stuff should really mean and not only get preoccupied with the numbers’ game - then you will have a blast reading this!
----------
Follow for more of my reviews:
TikTok
April 26, 2025
"Your Money or Your Life" by Vicki Robin and Joe Dominguez is a personal finance book that offers a unique approach to achieving financial independence. Here's a summary:
Key Concepts
1. *Aligning finances with values*: The authors emphasize the importance of aligning your spending and financial decisions with your personal values and goals.
2. *The concept of "enough"*: They introduce the concept of "enough," encouraging readers to define what is sufficient for them and live below their means.
3. *Tracking expenses and income*: The book provides a framework for tracking expenses and income, helping readers understand where their money is going and make conscious financial decisions.
4. *Achieving financial independence*: The authors offer strategies for achieving financial independence, including saving, investing, and reducing expenses.
Key Takeaways
1. *Financial independence is possible*
2. *Values-based spending*
3. *Frugality is not deprivation
"Your Money or Your Life" is relevant to:
1. *Individuals seeking financial independence*
2. *Those looking to align finances with values*
3. *Anyone interested in frugal living*
Key Concepts
1. *Aligning finances with values*: The authors emphasize the importance of aligning your spending and financial decisions with your personal values and goals.
2. *The concept of "enough"*: They introduce the concept of "enough," encouraging readers to define what is sufficient for them and live below their means.
3. *Tracking expenses and income*: The book provides a framework for tracking expenses and income, helping readers understand where their money is going and make conscious financial decisions.
4. *Achieving financial independence*: The authors offer strategies for achieving financial independence, including saving, investing, and reducing expenses.
Key Takeaways
1. *Financial independence is possible*
2. *Values-based spending*
3. *Frugality is not deprivation
"Your Money or Your Life" is relevant to:
1. *Individuals seeking financial independence*
2. *Those looking to align finances with values*
3. *Anyone interested in frugal living*
April 27, 2022
In order to improve your relationship with money, you first must know where your money come from and where they are going.
- Keep track of your finances (down to the cent, if possible)
Think about what ‘enough’ is for you. Without the notion of ‘enough’ you will always want more, going down on an endless spiral of ‘not there yet; not satisfied’.
Think about money in terms of life energy. When you want to buy something, figure out how much actual time you spent earning that amount of money and think if you are willing to give that time in exchange for an item.
Take care of your possessions, repair if necessary. We would rather buy a new object than take care of what we already have, which is a mistake.
We also must take care of our body, in order to avoid costly medical procedures in the future and enjoy our lives.
Separate work from wages in order to discover your true self. If you have to work for money, but you don’t enjoy what you do, recognize that the job is just a mean to earning money on your path to become what you truly want.
- Keep track of your finances (down to the cent, if possible)
Think about what ‘enough’ is for you. Without the notion of ‘enough’ you will always want more, going down on an endless spiral of ‘not there yet; not satisfied’.
Think about money in terms of life energy. When you want to buy something, figure out how much actual time you spent earning that amount of money and think if you are willing to give that time in exchange for an item.
Take care of your possessions, repair if necessary. We would rather buy a new object than take care of what we already have, which is a mistake.
We also must take care of our body, in order to avoid costly medical procedures in the future and enjoy our lives.
Separate work from wages in order to discover your true self. If you have to work for money, but you don’t enjoy what you do, recognize that the job is just a mean to earning money on your path to become what you truly want.
October 9, 2025
Good advice on how to be frugal and be more conscious of spending for people who weren’t raised by ultra frugal people or who have issues budgeting or knowing what they spend.
I appreciated the idea of the value of your life force and being intentional and thoughtful about how you build your life to have the most satisfaction and meaning.
However, as the second half of the book dives into the various ways to spend less, I kept thinking, “Sure, but at what cost??” The author lost me when they asserted that you can have just as much rest and fun camping as at a fancy resort.. no you cannot. I’ve tried both and that is not true. It’s also suggested to couch surf instead of getting a hotel room. WHAT?!
Frugality is fine and good, but there is more to life than saving money. My life got much better when I started focusing on how to MAKE more money instead of how to spend less. And the payoff in terms of quality of life is much better.
I appreciated the idea of the value of your life force and being intentional and thoughtful about how you build your life to have the most satisfaction and meaning.
However, as the second half of the book dives into the various ways to spend less, I kept thinking, “Sure, but at what cost??” The author lost me when they asserted that you can have just as much rest and fun camping as at a fancy resort.. no you cannot. I’ve tried both and that is not true. It’s also suggested to couch surf instead of getting a hotel room. WHAT?!
Frugality is fine and good, but there is more to life than saving money. My life got much better when I started focusing on how to MAKE more money instead of how to spend less. And the payoff in terms of quality of life is much better.
August 22, 2023
花钱之前要三思1. 别去购物。2. 量入为出。3. 爱惜所有。4. 用坏为止。5. 自己动手。6. 预见需求。7. 全面研究价值、质量、耐用性、多用性和价格。8. 降低花销。9. 换个方式满足需求”
第一章 赚钱让你快乐吗, 花钱令你满足吗 001
第一步: 坦然接受过去 021
第二章 为钱卖命, 谋生还是求死 033
第二步: 活在当下———追踪你的生命能量 050
第三章 钱都花到哪去了? 073
第三步: 月度表 080
第四章 赚到多少钱就退休 103
第四步: 思考能改变你一生的 3 个问题 110
1. 我获得的充实感、满足感和价值与花掉的生命能量相称吗？
2. 这种生命能量花销与我的价值观念及人生目标一致吗？
3. 假如我不必为了挣钱而工作，这项花销会有什么变化？
第五章 一张挂图助你实现财务自由 135
第五步: 让生命能量清晰可见 137
第六章 享受节俭生活 165
第六步: 珍惜你的生命能量———尽量减少支出 172
第七章 重新定义工作: 既可谋生: 又是爱好 213
第七步: 珍惜你的生命能量———尽量增加收入 242
第八章 跨过交叉点: 财务自由终于来临 255
第八步: 资本与交叉跨越点 260
（资本×当前长期利率）÷ 12 =月度投资收入
当你的投资收入线与支出曲线交叉的时候，无需工作收入你也能维持生存，恭喜你财务自由了
第九章 投资理财, 以钱养钱 289
第九步: 进行投资来维护财务自由 291
这个步骤将帮助你了解并熟练掌握创收投资技巧，这些投资可以提供源源不断的充足收入来满足你在长远内的需求，包括但不限于国债、企业债、大盘ETF、房地产……使用以下三大支柱来制订财务计划：
• 资本：财务自由的创收核心，用于生钱的钱
• 缓冲资金：足够应付6个月开支的现金，可赚取银行利息，用于应对突发情况
• 缓存金：坚持不懈践行这九个步骤带来的资金盈余。
九步骤计划快速检索 322
第一章 赚钱让你快乐吗, 花钱令你满足吗 001
第一步: 坦然接受过去 021
第二章 为钱卖命, 谋生还是求死 033
第二步: 活在当下———追踪你的生命能量 050
第三章 钱都花到哪去了? 073
第三步: 月度表 080
第四章 赚到多少钱就退休 103
第四步: 思考能改变你一生的 3 个问题 110
1. 我获得的充实感、满足感和价值与花掉的生命能量相称吗？
2. 这种生命能量花销与我的价值观念及人生目标一致吗？
3. 假如我不必为了挣钱而工作，这项花销会有什么变化？
第五章 一张挂图助你实现财务自由 135
第五步: 让生命能量清晰可见 137
第六章 享受节俭生活 165
第六步: 珍惜你的生命能量———尽量减少支出 172
第七章 重新定义工作: 既可谋生: 又是爱好 213
第七步: 珍惜你的生命能量———尽量增加收入 242
第八章 跨过交叉点: 财务自由终于来临 255
第八步: 资本与交叉跨越点 260
（资本×当前长期利率）÷ 12 =月度投资收入
当你的投资收入线与支出曲线交叉的时候，无需工作收入你也能维持生存，恭喜你财务自由了
第九章 投资理财, 以钱养钱 289
第九步: 进行投资来维护财务自由 291
这个步骤将帮助你了解并熟练掌握创收投资技巧，这些投资可以提供源源不断的充足收入来满足你在长远内的需求，包括但不限于国债、企业债、大盘ETF、房地产……使用以下三大支柱来制订财务计划：
• 资本：财务自由的创收核心，用于生钱的钱
• 缓冲资金：足够应付6个月开支的现金，可赚取银行利息，用于应对突发情况
• 缓存金：坚持不懈践行这九个步骤带来的资金盈余。
九步骤计划快速检索 322
January 3, 2026
When I wanted to figure out what my life cost, annually, this book was exactly what I needed! I had a coach at the time who was not very helpful with a goal I had for setting a budget (she was helpful with other goals I had though). She had no idea how to suggest steps to get me there. You can’t just choose a budget (dollar amount) you want to set for yourself within a week, you have to be able to figure out where you are, what your spending currently looks like, and what you want to cut first. This book gave me all the steps to do just that, in a way that worked for me!
It’s not my first recommendation for someone entering into finance books for the first time (that would be Simple Path to Wealth), but it’s perfect for people who want to get their spending under control and align it to what they truly value in life.
It’s not my first recommendation for someone entering into finance books for the first time (that would be Simple Path to Wealth), but it’s perfect for people who want to get their spending under control and align it to what they truly value in life.
March 10, 2023
Step-by-step guide on how to get "rich" in the most certain way. This book really forces you to take a look at your expenses and minimize and trim as much as you can. When your gap from income vs. expenses widens, you start investing into the stock market and watch your money grow. It also shows you that a lot of your current expenses have a lot to do with your job ("costuming", transportation, food, etc.). It gives you a realistic approach to determining what is truly important to you, and where you want to spend your money to get the most out of your life and time on this earth. I definitely recommend this book. It will change how you think about work, life, and money.
December 18, 2022
I was tickled to revisit a short-format recording of Joe Dominguez & Vicki Robin's classic work, which I found via Libby on Thanksgiving Day. The version I heard was narrated by Vicki as a conversational update on her work with Joe to share the message on living well with less and their 9 steps.
The original book was a formative find when I read it in about 1999, underscoring a lifestyle of frugality with the aim of financial independence and not being subsumed by consumer culture. Always a work in progress, so the chance to review and revisit those themes with others was well worth it.
The original book was a formative find when I read it in about 1999, underscoring a lifestyle of frugality with the aim of financial independence and not being subsumed by consumer culture. Always a work in progress, so the chance to review and revisit those themes with others was well worth it.
March 26, 2023
The content is good - basic personal finance of keeping track of what you have and spend, not spending more than you have, and setting goals for financial independence. Overall, try to simplify things because we as Americans are over-consumers. I did like the concept of life energy and how a lot more goes into take-home pay when other things (like time, energy) are factored into our work. I just felt like for me, the writing style was hard to follow. It didn't seem well-organized and the flow was all over the place.
July 11, 2023
I am already following what's there in the book till the seventh chapter, and then there was the goosebumps-epiphany in the eight's chapter! I have accumulated all this data month-over-month and had no idea what to do with it other than just visiting it once in a while to see what happened in a particular month but now I have a vision to view this data and transform my life.
I'm really grateful for this book.
I'm really grateful for this book.
February 22, 2024
This book is so very American and way too long but the main points it makes about financial independence still stand true. The first half was mostly about day to day budgeting which went on way too long BUT it did redeem itself somewhat in the second half. I listened to the abridged 2018 audiobook which did a pretty good job at modernizing the 9 steps from the 1992 version. This is still one of the original FI books that so many others have drawn inspiration from
November 15, 2023
If you think you know what money is and why you need it, but have not been mentored by Vicki Robin, then you are probably wrong. A must-read before making any financial decision, any purchase, any budget, this book will help you understand what you really give up -- or can actually afford -- when you make tradeoffs between buying and saving.
October 11, 2025
This is “of its time” but a founding-father in terms of financial independence and personal finance considerations. This is “the” book often cited, quoted and based on modern FI movements, but still has a lot of relevance today.
I enjoyed the easy narrations and steps. Even as a non-American, I found merit in it, but for any US natives, this would read much better for you than anyone outside.
I enjoyed the easy narrations and steps. Even as a non-American, I found merit in it, but for any US natives, this would read much better for you than anyone outside.
January 1, 2023
Wrapped up this morning. This felt more like listening to a few podcast episodes and kind of flow of conscious. Luckily, it's short, so it didn't lose me. Some interesting perspective, but not mind blowing.
April 29, 2023
A slow read with very little “new” information. Felt outdated, even with the updated version. Wouldn’t recommend - there are several better personal finance books out there I would recommend over this. I also couldn’t stand the unnecessary use of acronyms.
June 11, 2023
Listened to the full audio version. Found it to be long-winded and preachy. I tend to be put off by people telling me how to live my life, which this book does cover to cover. If this doesn’t bother you, you might find it useful.
December 31, 2024
I enjoyed learning about this take on finances and believe it holds merit. The author had an informal manner that made the audiobook (also read by her) feel as if she were sitting down to tell you about her work, rather than lecturing, which I appreciated.
May 15, 2025
This one slapped me with the idea that I’m trading life energy for money. I had to sit down and reevaluate my entire Amazon wishlist. Deep, reflective, a bit crunchy at times — but seriously impactful. I now track spending like I track Netflix shows: obsessively.
October 3, 2022
I didn't realize this was the abridged version, but it was plenty to get the idea across.
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